Re: NFCU unsecured my card

Actually I have to respectfully disagree with you all. Had I not been raised by my grandmother from birth then I would not have gone the direction that I did. And I grew up in the household with my aunt. However, I found myself 100% qualified based on any reasonable perspective, without being qualified based on how the requirement is worded. Legally speaking, had my grandmother adopted me then my aunt would actually be my legal sibling. But my grandmother did not, so where does that leave me within reason?

To be sure, an ethical dilemma belies the post --so I will definitely own up to that. The intention of the post was to report what I observed, not to instruct or inspire deceit.

Re: NFCU unsecured my card

ChemGuy wrote:

Actually I have to respectfully disagree with you all. Had I not been raised by my grandmother from birth then I would not have gone the direction that I did. And I grew up in the household with my aunt. However, I found myself 100% qualified based on any reasonable perspective, without being qualified based on how the requirement is worded. Legally speaking, had my grandmother adopted me then my aunt would actually be my legal sibling. But my grandmother did not, so where does that leave me within reason?

To be sure, an ethical dilemma belies the post --so I will definitely own up to that. The intention of the post was to report what I observed, not to instruct or inspire deceit.

It leaves you reasonably & understandably ineligible.

You didn't get in by any reasonable criteria, which is soley defined by NFCU. By your own admission, you could only gain membership by deceit. That certainly doesn't seem reasonable to me.

Re: NFCU unsecured my card

ChemGuy wrote:

Actually I have to respectfully disagree with you all. Had I not been raised by my grandmother from birth then I would not have gone the direction that I did. And I grew up in the household with my aunt. However, I found myself 100% qualified based on any reasonable perspective, without being qualified based on how the requirement is worded. Legally speaking, had my grandmother adopted me then my aunt would actually be my legal sibling. But my grandmother did not, so where does that leave me within reason?

To be sure, an ethical dilemma belies the post --so I will definitely own up to that. The intention of the post was to report what I observed, not to instruct or inspire deceit.

You can try and couch it in any terms you want but what you did was wrong. It wasn't "sorta" or "kinda" or "halfway" wrong. It was 100% wrong.

Re: NFCU unsecured my card

ChemGuy wrote:

I don't think that you actually have to be related to anyone in the military at all ! What you DO need is a person who is willing to give you their access number--basically, the NFCU membership number, and you need to state that they are related to you by one of the NFCU criteria, i.e, sibling etc. Case in point: I asked my aunt to help me qualify, and she in turn provided me her access number which I shared with the NFCU--I applied in person. When the representative asked how I was related to the member I said sibling--which was half-way true, since I was raised by my grandmother. And I was approved at the time of application.

I think at most they may send a query to the member to determine relationship--thus I told my aunt beforehand what my "relationship" would be--but I don't think they bother. The fact that someone gave you semi-personal info is probably considered close enough. YMMV--but I don't think so

Re: NFCU unsecured my card

chasmith wrote:

Opened $3K secured card 12/09 (after BK7 discharge late 11/09). Got a note in the snail mail today saying they had unsecured, and would raise CL to $1K if it was less. Not as generous as what I used to hear but helpful all the same.

This may mean that they're near absorbing the merger and back to reviews and auto CLIs...

Congratulations!

i had the same thing happen to my son's secured Visa. II'm not sure what the merger had to do with anything, though, since most people say Navy federal has never unsecured cards in the past unless one reapplied.

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